Wow... Thanks. :/ I'm aware I don't have perfect scores. My question was only about the car loan impact. I've raised my scores a lot. I have paid med collections that hurt me, but will fall off. I have nothing else to do right now, but to let my accounts age and let the paid debt fall off, or write up a gw at some point. A lot of people have concerns about paying off car loans, so I wanted to update with my experience.